Commonwealth National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commonwealth National Bank of Mobile, AL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.12% | 3.33% | -3.21% | 16th bottom |
| ROAE | 0.99% | 8.30% | -7.31% | 16th bottom |
| Net Interest Margin | 3.69% | 3.92% | -0.23% | 40th below |
| Efficiency Ratio | 97.35% | 84.45% | +12.90% | 15th bottom |
| PPNR / Avg Assets | 0.12% | 1.56% | -1.44% | 14th bottom |
| Yield on Earning Assets | 4.58% | 5.24% | -0.66% | 25th below |
| Cost of Funds | 0.94% | 1.67% | -0.73% | 82nd top |
| Net Interest Spread | 3.17% | 3.30% | -0.13% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.09% | 1.41% | +2.68% | 7th bottom |
| NPA / Total Assets | 1.63% | 0.71% | +0.92% | 12th bottom |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 10th bottom |
| ACL / Total Loans | 1.71% | 1.53% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 41.74% | 723.28% | -681.54% | 14th bottom |
| Texas Ratio | 14.42% | 8.55% | +5.87% | 13th bottom |
| Provision / NCO | 0.00% | 286.20% | -286.20% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 28.27% | 127.05% | -98.78% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 28.27% | 127.06% | -98.79% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 29.52% | 127.95% | -98.43% | 65th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.73% | 22.10% | -8.37% | 56th above |
| Equity / Assets | 11.20% | 20.74% | -9.54% | 38th below |
| TCE / Tangible Assets | 11.20% | 20.49% | -9.29% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.00% | 74.31% | -29.31% | 77th top |
| Core Deposit Ratio | 75.63% | 88.33% | -12.70% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.69% | 3.80% | +15.89% | 96th top |
| Loan Growth (Y/Y) | 20.90% | 6.82% | +14.08% | 91st top |
| Deposit Growth (Y/Y) | 22.31% | 2.94% | +19.37% | 97th top |
See Commonwealth National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commonwealth National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Commonwealth National Bank profile, how to read a UBPR, or how this data updates.